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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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Wilfred17

Tradepro card assigned to Hoist Holdings and Robinson Way

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Hello I signed up, many years ago, for a tradepro account/ credit card. I was approached in the street and signed a credit agreement in March 2006. The amount i spent on this card was approximately £2800. I made payments and then unfortunately lost my job.

 

This is when the fun began. I tried to be reasonable with this company and they eventually took me to court in 2010. I stupidly didn't attend although i did try to defend by letter and judgement was granted. They then proceeded to place a charging order/ restriction on my house.

 

They then passed the debt on to Marstons debt collectors - who added charges, costs, visits to this debt and it totalled approx £6000 in the end. They threatened to take my car, frightened the kids to death . I managed to get tradepro to call them off and the last letter i had from them was in june 2011, a statement of account saying i owed £4100.

 

I have not had any contact since and have been too scared to do anything other than worry about the charging order and then all of a sudden i get a letter of assignment from Hoist Portfolio and a debt collection letter from Robinson Way asking for payment. Im not sure where to go from here.

 

Please could i have some much needed advice?? Thankyou in advance.

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so the debt has been sold to a no powers DCA.

 

is this mortgage solely in your name or is the property joint?

if it joint it should have been a restriction not a CO.

 

you don't have to pay anything

they have the CO, and it will be settled when/if the property is ever sold.

though if your sols is cute is can be ignored sometimes

 

it surprises me they've sold it

as that usually points to it being somewhat sceptical on its actual value.

 

dx


..

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In a rush so have to be quick!

 

Check your credit files first and see if this is on there, or marked as a CCJ.

 

You can also check Trust Online, costs about £4 I think, to see if you have any CCJ's registered against you.

 

DO NOT contact robbersway or HPH at all, just yet!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Its a joint mortgage and its on the land registry as a restriction

 

Will they even be aware this is on the house?

 

Its says on the letter from Hoist - that MKDP LLP has assigned all respective rights title

and interest in respect of the referenced account (including the outstanding balance) is that what it means?

 

Thing is - we are wanting to sell the house pretty soon - any suggestions?

 

I will check credit file in the meantime.

 

Thankyou

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Checked credit file - nothing at all about this - no ccj

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so this CCJ/CO was more than 6yrs ago?

if so the CCJ has fallen off.

 

pers i'd keep quiet

and as its a restriction

if your sols is cute [:wink::wink::wink:]

 

it can be ignored


..

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Yes the ccj has gone - so do i tell the solicitor to ignore it? Thanks

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the restriction


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Thank you

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Hello again.

In a dilemma with reference to the above. Please help.

 

We still have the dreaded restriction on the land registry and we need to borrow some money to enable us to undertake some essential repairs to the house before we can sell it.

 

I have managed to get some good quotes to borrow until

- the loan company checked the land register.

 

They have said we cannot have the cash until the restriction is removed.

We are now in a hole!!!

 

Robinson way are still harassing us with phone calls and letters but at no point has this restriction been mentioned.

 

Do you think we should ring them and come to an agreement to pay?

And then could we send this to the land registry to get them to remove it.

 

I really don't know what to do

but we have no choice but to het hold of the cash as we need a new roof.

 

Help is needed badly - thankyou

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can I just check

this is only a restriction type K?

 

 

if so

AFAIK the loan company should not be refusing

its only a restriction not a full Charging order?

 

 

 

 

dx


..

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Managed to find a letter from land registry that says restriction in form k?

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then I don't think the loan company should be rejecting you

its not a full blown charge it simple a restriction on 'your part'


..

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There is no onus on a conveyancing solicitor to discharge a debt from a form k restriction should the property ever be sold. His responsibility is limited to informing the creditor that there is a new owner of the property and that the restriction should therefore be removed.


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Ok will go back to them tomorrow to see what they say.

Thanks for now

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All the form k does really is grants them notification that a sale has taken place


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I have saved the letters from Robinson Way - do you think if i contacted the court to tell them the debt is now being pursued by another company they will take this off? Either the court or the Land Registry?

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Why do you think they would do that?

Its not their remit

Only the owner of the K can do that

 

But I say again

A lender has no right legally to refuse a secured? Loan because of a K

None of their business!

They are being pedantic IMHO


..

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But the owner of the k is now gone? And the debt is just being passed along. I feel i am stopped every way i turn.

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is the k still in tradpro name?

 

 

dx


..

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